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    • Julie BL
    • By Julie BL 10th Jul 17, 4:11 PM
    • 1Posts
    • 0Thanks
    Julie BL
    Accepted 50/50 but "not at fault"?
    • #1
    • 10th Jul 17, 4:11 PM
    Accepted 50/50 but "not at fault"? 10th Jul 17 at 4:11 PM
    I got hit by a foreign insured driver. There were no independent witnesses and at the time I had no dashcam. With no injuries and only a few grand damage to the vehicle, the insurance company weren't keen to take it to court, so suggested 50/50. I was angry about the unfairness of it, but didn't see the point of dragging through the courts for potentially the same outcome. It had been an unpleasant learning curve that I didn't want to extend.
    I got my 50% excess back some months ago. I want to go on someone elses policy as a named driver and checked this week to make sure the claim is closed. It said, claim, not at fault. I spoke to the insurance company and they said that was correct. The claim is closed and the notes say I accepted 50/50 but its listed as 1% liability and therefore not at fault. Also the NCD hasn't been affected.
    Is this normal?
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    • Quentin
    • By Quentin 11th Jul 17, 9:56 AM
    • 32,114 Posts
    • 16,203 Thanks
    • #2
    • 11th Jul 17, 9:56 AM
    • #2
    • 11th Jul 17, 9:56 AM
    Although the claim is closed, your friend should still be told about it so that they can disclose it to their insurer
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